If you have been injured as a result of a car accident in Toronto or the GTA, the insurance companies will stop at nothing in their efforts to delay, deny or reduce your claim. Even though your automobile insurance contract is already heavily skewed in favour of the insurance company, that is not enough for them. The insurance company wants to pay out as little as possible for your claim. At some point during your claim, it is likely that your own automobile insurance company contest your entitlement to benefits. This generally does not happen right at the outset of a claim - insurance companies are too smart for that. The insurance company wants to gain your trust and confidence - they do not want you to get the advice of a car accident lawyer or personal injury lawyer. In our experience, it seems that most often, the insurance company will be very cooperative at the beginning of your claim. They may even send an adjuster out to see you at your home or hospital to collect a statement and obtain your signature on a number of forms. All the while, the insurance company will be collecting information about you, your history, background, and medical records. They will scour your records in search of opportunities to deny claims. If they are unable to obtain support from your treatment records and treating doctors, the insurance company will select its own doctors to review your file. They can also have you assessed by a doctor of their choice, all with the objective of justifying a denial of your claim. As such, it should come as no surprise that the insurance company will also hire someone to lurk in the shadows and spy on you. The insurance company will not tell you about these spy efforts and they will not need to obtain your consent - but they will spy for days on end, and follow you around in search of something that they can use to deny your claim. Most of the time, the insurance company comes up short in this effort - finding out simply that their insured is behaving entirely consistent with the reported injuries. Because that information does not help the insurance company, it is likely that they will not even record the activity. They certainly will not provide it to you, nor will they even tell you about the spy activities they have undertaken.
If you or loved one has been injured in a car accident in Ontario, consult a lawyer experienced in car accident claims. Call me for a Free Consultation, There is no obligation and the consultation is completely confidential.
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